I just learned, from Wirex, that the VISA card does not change crypto automatically at POS. it needs to be done in the way I did it. Convert crypto to fiat on their site then load fiat to the card. I was unaware this was the case to be honest as I expected it to happen automatically. I think they are working on that though.
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I am in the same head space you are. I am just trying this for the first time. So I look forward to learning anything I can from your post about these things.
We hit the burger joint a week or so back and purchased lunch with $25 worth if BAT tokens earned from Brave Browser ads.
It was pretty cool to tell that crypto... "Get in my Belly!"*

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Lol...I'm afraid of being Bitcoin pizza guy with mine...So I don't spend it. Well, just to test it out I guess. I used it at a cafe today to test the EFT thing. Worked fine by tapping on the machine.